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Generated 12-08-2026
Active BE 1003.698.986Private limited company

SPIC3

Priester Cuypersstraat 3 ·1040 Etterbeek, Belgium· 2 yrs active
Sector: Activiteiten van adviesbureaus op het gebied van public relations en communicatie (73300)
Conclusion Checked

The computed 12-month bankruptcy probability of SPIC3 is 2.5% (moderate). The 2024 annual accounts show equity of €69k and a net result of €66k. Its solvency ranks better than 84% of 2542 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €69k
Net result €66k
Better than sector 84%
Active 2 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health93Profitability100Solvency100Growth-Stability67
90 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93
Profitability 100
Solvency 100
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
2.5% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate region +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 28-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 73, Advertising & market research · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 82.1% 56.2%
better than 84% of 2542 sector peers
Net result €66k €19k
better than 83% of 2544 sector peers
Equity €69k €43k
better than 63% of 2542 sector peers
Gross operating margin €93k €37k
better than 79% of 2541 sector peers
Total assets €84k €93k
better than 46% of 2544 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€93k
Net profit€66k
Cash flow€68k
Staff costs-
Income taxes€25k
Dividends-
Total assets€84k
Equity€69k
Debt€15k
of which ≤ 1y€15k
of which > 1y-
Working capital€68k
Employees (FTE)-
Ratios (computed)
2024
Current ratio5.49
Quick ratio5.49
Working capital ratio80.4%
Solvency82.1%
Debt / equity0.22
Long-term debt ratio-
Interest coverage683.53
Gross margin-
Net margin-
ROA79.1%
ROE96.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€84k
Fixed assets 21/28€1k
Tangible fixed assets 22/27€1k
Current assets 29/58€83k
Amounts receivable within one year 40/41€12k
Cash & bank 54/58€69k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€84k
Equity 10/15€69k
Contributions / capital 10/11€3k
Reserves 13€65k
Accumulated profits (losses) 14€1k
Amounts payable 17/49€15k
Amounts payable within one year 42/48€15k
Trade debts payable within one year 44€600
Income statement
Gross operating margin 9900€93k
Operating result 9901€92k
Financial charges 65€136
Result before taxes 9903€91k
Income taxes 67/77€25k
Net result for the period 9904€66k
Result to be appropriated 9905€66k
Ratios computed by Checked.
Legal Structure
NACE primary Activiteiten van adviesbureaus op het gebied van public relations en communicatie(73300)
Legal form Private limited company(610)
Incorporation20-12-2023
StatusActive
Postal code1040
Connections & network 27 connected companies
Network connections
Atelier 3
Shared address
→
BAF LOGISTIQUE
Shared address
→
BOUW COMPANY
Shared address
→
CANA 23
Shared address
→
CDC MANAGEMENT-IT
Shared address
→
CE.TRANS
Shared address
→
→
DES
Shared address
→
FELIXIS
Shared address
→
Hein & Nielsen
Shared address
→
INTERSOURCING
Shared address
→
JFC
Shared address
→
JIM & JULES
Shared address
→
KANAA
Shared address
→
KIKO BELGIQUE
Shared address
→
LABBECAR
Shared address
→
M&G EVENTS
Shared address
→
THE AMROP PARTNERSHIP
Shared address
→
The Flow Game Hub
Shared address
→
→
U KARGULI
Shared address
→
Vitis Regulatory
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
Meilaan 217, 1200 Sint-Lambrechts-Woluwe
Adviesbureaus op het gebied van public relations en communicatie
since 20242.354.784.470
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21005A0542/00B006 Brussels 325 m² 1 · 129 m² 17.0 m · 5 fl.
21673D0087/00F038 Brussels 208 m² 1 · 66 m² 15.8 m · 4 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
05-11-2025
State Gazette act Registered-office change
v3.2
28-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
22-12-2023
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
Address history · 1
05-11-2025
v3.2
All acts · 2 updated 9 months ago
2025
05-11-2025 Registered office moved from Woluwe-Saint-Lambert to Bruxelles Registered-office change
  • Avenue de Mai 217, 1200 Woluwe-Saint-Lambert → Rue Abbé Cuypers 3, 1040 Bruxelles
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Bruxelles",
        "region": "Brussels",
        "street": "Rue Abb\u00E9 Cuypers",
        "country": "BE",
        "postcode": "1040",
        "box_number": null,
        "street_number": "3"
      },
      "old_address": {
        "city": "Woluwe-Saint-Lambert",
        "region": "Brussels",
        "street": "Avenue de Mai",
        "country": "BE",
        "postcode": "1200",
        "box_number": "A",
        "street_number": "217"
      },
      "effective_date": "2025-06-01",
      "evidence_quote": "L\u0027assembl\u00E9e acte le transfert du si\u00E8ge social en date du 01 juin 2025 \u00E0 l\u0027adresse suivante: Rue Abb\u00E9 Cuypers n\u00B03 \u00E0 1040 Bruxelles."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1003.698.986",
    "name_full": "SPIC3",
    "legal_form": "SRL"
  }
}
2023
22-12-2023 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "1200 Woluwe-Saint-Lambert, Avenue de Mai 217 bte A",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1988-05-28",
        "name": "PETRICEAN, Ioana Petra",
        "niss": null,
        "address": "1200 Woluwe-Saint-Lambert, Meilaan 217/Ab3"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 2500,
      "holder_person_name": "PETRICEAN, Ioana Petra",
      "is_subscriber_only": false,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 2500,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 2500,
  "subject_company": {
    "kbo": "1003.698.986",
    "name_full": "SPIC3",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2023-12-19",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Adviesbureaus op het gebied van public relations en communicatie70210Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Reclamebureaus73110Activiteiten van reclamebureaus73110Organisatie van congressen en beurzen82300Organisatie van congressen en beurzen82300Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameFR SPIC3
Registered office
Priester Cuypersstraat 3
1040 Etterbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative